Burke and Herbert Bank and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 20.24 percentage points higher than in Q1 2026, at 333.72%. Within Virginia, Burke and Herbert Bank and Trust Company is 24th of 56 on loan-to-deposit ratio, 88.94% as of Q2 2026, above the middle of the field. At 88.94%, Burke and Herbert Bank and Trust Company's loan-to-deposit ratio is close to the 86.83% median for banks in the $10B-100B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $8.00B |
| Net loans and leases | $7.91B |
| Loans held for sale | $2.1M |
| Loans to total assets | 72.85% |
| Loan-to-deposit ratio | 88.94% |
| Net loans to equity capital | 5.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 53.32% |
| Multifamily (5+ residential) | 9.81% |
| Commercial and industrial | 9.25% |
| Consumer | 0.51% |
| Credit cards | 0.00% |
| Farm | 1.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 333.72% |
| Construction concentration (Tier 1 capital + allowance) | 34.72% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.52% |
| Interest income on loans | $116.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.07B | $2.99B | 58.36% | 2.97% | 0.09% |
| Q4 2023 | $2.09B | $3.00B | 58.39% | 3.25% | 0.08% |
| Q1 2024 | $2.12B | $2.99B | 57.42% | 3.90% | 0.08% |
| Q2 2024 | $5.62B | $6.66B | 47.10% | 8.76% | 0.83% |
| Q3 2024 | $5.58B | $6.61B | 47.19% | 9.98% | 0.83% |
| Q4 2024 | $5.67B | $6.52B | 48.03% | 9.89% | 0.76% |
| Q1 2025 | $5.65B | $6.55B | 50.28% | 9.93% | 0.68% |
| Q2 2025 | $5.59B | $6.40B | 51.11% | 9.92% | 0.63% |
| Q3 2025 | $5.56B | $6.42B | 52.25% | 8.80% | 0.62% |
| Q4 2025 | $5.39B | $6.41B | 53.91% | 7.70% | 0.59% |
| Q1 2026 | $5.40B | $6.34B | 53.44% | 8.57% | 0.56% |
| Q2 2026 | $8.00B | $9.00B | 53.32% | 9.25% | 0.51% |
Burke and Herbert Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Burke and Herbert Bank and Trust Company, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Burke and Herbert Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11578) · FFIEC NIC profile (RSSD 933621)